Contact Us: ​(409) 945-4746
Brad Spurgeon Insurance Agency Inc.
  • Home
  • Quotes
    • Home Insurance Quote
    • Flood Insurance Quote
    • Windstorm Insurance Quote
    • Other Quotes >
      • Auto Insurance Quote
      • Business Insurance Quote
      • Life Insurance Quote
      • Condo Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Terms of Use
    • Privacy Policy
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Home Insurance
    • Flood Insurance
    • Windstorm Insurance
    • Other >
      • Auto Insurance
      • Business Insurance
      • Life Insurance
      • Condo Insurance
      • Landlords Insurance
      • Renters Insurance
      • Boat Insurance
      • Builders Risk
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Partners
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Newsletter Signup
    • Careers
    • Refer a Friend
    • Blog
    • News
    • Reviews
    • Videos
  • Contact
  • Home
  • Quotes
    • Home Insurance Quote
    • Flood Insurance Quote
    • Windstorm Insurance Quote
    • Other Quotes >
      • Auto Insurance Quote
      • Business Insurance Quote
      • Life Insurance Quote
      • Condo Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Terms of Use
    • Privacy Policy
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Home Insurance
    • Flood Insurance
    • Windstorm Insurance
    • Other >
      • Auto Insurance
      • Business Insurance
      • Life Insurance
      • Condo Insurance
      • Landlords Insurance
      • Renters Insurance
      • Boat Insurance
      • Builders Risk
      • Umbrella Insurance
  • About
    • Staff Directory
    • Our Partners
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Newsletter Signup
    • Careers
    • Refer a Friend
    • Blog
    • News
    • Reviews
    • Videos
  • Contact

Agency Blog

5 Things Covered By Your Windstorm Insurance Policy

8/27/2019

0 Comments

 
Picture
​Windstorm insurance protects its policyholders from having to spend thousands of dollars repairing damage and destruction caused by windstorms. A windstorm is heavy gusts of wind, rain or even hail that the hurricane brings. Usually called hurricane insurance, it is a policy that can give compensation for property damage during windstorms. Wind insurance is not required in many US states, but mortgage lenders sometimes require it especially to those living in the coastal areas. Windstorm insurance can be a little pricey as offered by some companies but it is always a financial lifesaver. These are the things that a windstorm insurance policy covers.
Dwelling Coverage
This is the part that you pay for fixing and rebuilding your home after the wind or hail damaged your home. It also protects additional structures on your property. These include sheds and garages. They comprise as much as 10 percent of the total coverage limit for your dwelling. If you want to approach your insurance provider about this, make sure you record the date of the storm as well as articles about the hurricane to prove it. 

Contents Coverage
Your windstorm insurance policy covers your personal property. This includes your damaged clothing, appliances, electronics, and all your other private property. Your insurance provider can even cover as much as $300,000 of the cost of your things. However, before you contact the claims department of your insurance provider, you should be prepared for the details of how much you've lost and the specific items that the windstorm has destroyed.

Additional Living Expenses
If the wind or hail has severely damaged your home, you will not be able to live in it. If that happens, then your windstorm insurance policy can help defray the costs of living in other places like the hotel, the restaurant, and even laundromat costs. Naturally, you have to stay at the hotel or an inn if your house is totally damaged. Your coverage will take care of it. This coverage can be as much as 20 percent of the total coverage for your home. 

Increased Cost of Construction
This refers to additional costs in case your home incurs damaged and if building codes have undergone changes since your house was first built. Any other costs that should bring up your home to code must be covered by windstorm insurance.

Debris Removal
This part of the policy will take care of the expenses involved in the cleaning up of any debris that has unexpectedly made its way into your property. This should also include trees or metal blown onto the property. You should not worry because your coverage can pay for the clean-up.

Some Final Words
Naturally, you can reduce damage through prevention or by wind-proofing your home. You can trim the branches of trees, especially if you are in a storm-prone area. You can also secure outdoor furniture as they might act as debris. You can also have storm shutters installed. In addition, you can install a garage door that is strong enough to withstand a disaster.

At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.
0 Comments



Leave a Reply.

    CONTACT US
     (409) 945-4746​ 
    1118 14th Street N
    Texas City, TX 77590
    Click Here to Email Us

    Archives

    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    November 2016

    Categories

    All
    Auto Insurance
    Boat Insurance
    Business Insurance
    Condo Insurance
    FAQs
    Financial
    Flood
    Flood Insurance
    Home
    Home Insurance
    Insurance
    Life Insurance
    Local
    Safety
    Umbrella Insurance
    Windstorm
    Windstorm Insurance

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Review Us

Social Media

Newsletter Signup

Share This

Texas City Office

Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746​
Click Here to Email Us

Galveston Office

Brad Spurgeon Insurance Agency Inc.
​335 Westerly Dr
Galveston, TX 77554

(409) 877-7755​
Click Here to Email Us
Website by InsuranceSplash